2019 Fiscal Year Annual Research Report
Measurement of productivity and technological progress / learning in the service industry: An empirical study of the Nigerian financial industry
| Project/Area Number |
19J10715
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| Research Institution | Ritsumeikan University |
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Principal Investigator |
ADUBA Joseph Junior 立命館大学, 経済学研究科, 特別研究員(DC2)
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| Project Period (FY) |
2019-04-25 – 2021-03-31
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| Keywords | value-creation / financial intermediation / learning curve / e-banking / financial technologies / technology diffusion / technology learning / technology forecasting |
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| Outline of Annual Research Achievements |
The two field surveys proposed for this research has been successfully done. This survey was conducted from Feb. 3rd to Feb. 28th, 2020. More than 1000 respondents were sampled. In addition, key secondary data on bank production was also collected from national data repositories. Summary of achievements for the 2019-2020 academic year are as follows; a) Investigating learning by credit and value creation in banks: Empirical analysis of Japanese Banks (submitted for publication). b) On the determinants, gains and challenges of electronic banking in Nigeria; An application of structural equation modelling (submitted for publication). c) Forecasting financial technology diffusion in the Nigeria digital financial ecosystem; application of diffusion and growth models (work started).
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| Current Status of Research Progress |
Current Status of Research Progress
2: Research has progressed on the whole more than it was originally planned.
Reason
In the first academic year, I have developed and applied a cost function adjusted to capture learning by doing in banks. This model has become the theoretical ground for my thesis which bothers on learning by doing and technological diffusion in Nigeria digital financial ecosystem. I have also conducted a field survey to understand the dynamics and determinants of financial technology adoption across various users in Nigeria. In the light of the above, two research articles have been submitted for publication. Going forward, I will concentrate on my thesis and another research article which I am currently writing.
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| Strategy for Future Research Activity |
In this academic year, I planned to conclude my thesis and thereafter make presentations as follows; 1. 18th Asia Pacific conf., Nov. 14th-15th 2020 (Beppu, Japan); paper title: Paper title: Does learning by credit and value creation in depository financial institutions explain financial development in developing economies? Evidence from Sub-Sahara Africa. 2. Int. conf. on multi-disciplinary research, Jan. 1st-2nd 2020 (Singapore). Paper title: On the determinants, gains and challenges of electronic banking in Nigeria; the application of structural equation modelling. 3. Int. conf. on business analytics and operations research, Jan. 14-15th 2021 (British Columbia, Canada). Paper title: Technological learning and diffusion in the financial digital ecosystem in Nigeria; application of the logistic growth model.
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